State Guides

Michigan Auto Insurance Guide

Minimum coverage and average rates in Michigan.

Michigan Auto Insurance

Michigan reformed its no-fault system in 2020, letting drivers choose PIP limits.

Minimum Coverage

  • Bodily injury: $50,000 / $100,000
  • Property damage: $10,000
  • PIP: choice of limits from $50,000 to unlimited

By Cliq Coverage Editorial · July 24, 2026

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